AddressUrgent Opening with NBFC for Area Credit Manager - LAP
Location : Chennai
Education Qualification : CA
Roles And Responsibilities
Evaluation of Credit:
- Examine LAP loan applications to make sure all information is accurate and complete.
- To evaluate borrowers' creditworthiness, repayment capacity, and financial stability, do a thorough credit study.
- Assess the property's marketability and worth before accepting it as loan security.
Risk Control:
- Apply the risk assessment and property valuation to determine the suitable loan-to-value (LTV) ratio.
- Determine any credit risks and suggest ways to reduce them.
- Keep an eye on the performance of your portfolio and act quickly to resolve any new risks or delinquencies.
Adherence to Policy:
- Make ensuring that all legal, regulatory, and internal credit policies are followed.
- In order to adjust to shifting market conditions and risk profiles, review and revise credit policies and underwriting rules as needed.
Making Choices:
- Based on analysis, risk assessment, and observance of set credit standards, make well-informed credit decisions.
- Provide suggestions for approving, rejecting, or changing credit while taking corporate goals and risk into consideration.
Relationship Administration:
- Work together with relationship and sales managers to comprehend client needs and expedite the credit approval procedure.
- Effectively inform stakeholders of credit decisions and offer advice on credit-related issues.
Record-keeping and Oversight:
- Make ensuring that loan documentation is accurate and comprehensive while following internal and regulatory requirements.
- Establish monitoring systems to keep tabs on loan performance, terms compliance, and early detection of any defaults.
Group Headship:
- Give local credit officers and analysts direction, instruction, and assistance.
- Encourage the sharing of knowledge, adherence to best practices, and ongoing improvement as a culture.
Interested candidates connect on
Mobile No: 7487000578
